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What to Expect at a Life Insurance Medical Exam

Life insurance is one of the most affordable ways to protect your family’s financial security. It’s important for all members of the household to have life insurance. Non-working partners benefit from life insurance too. Many people stress over the medical exam that often accompanies the application process for life insurance. Don’t stress. The following guide will help you navigate the life insurance buying process and medical exam. Who Can Get a Life Insurance Policy? Most people between the ages of 18 and 75 are eligible for life insurance. Working with an insurance sales agency, like us at SelectQuote, can help you get the coverage you need at the best price. We do the hard work for you by providing unbiased comparisons from the highly rated insurance companies we represent. Even if you have had some health issues, there is a good chance you can still get life insurance. We often…

The Importance of Life Insurance Medical Exams

Life insurance is an important financial tool to protect your family, but fears and misinformation keep countless people from learning more and signing up for a life insurance policy. For example, many fear the dreaded medical exam required by insurance companies. However, the life insurance required medical exam is a good thing and could help you save money on your life insurance policy. There are three common methods insurers use to issue a life insurance policy: fully underwritten, simplified issue, and guaranteed issue. Each has differences that are important to understanding when it comes to your life insurance policy and exam requirements. Medical Exam Sign up Options Fully underwritten policies are the most common. This policy requires people to fill out a detailed questionnaire on medical history and complete a health exam. This information allows the life insurance company to place people in the most appropriate risk category, and secure…

What to Expect From Your Life Insurance Medical Exam

As part of the life insurance application process, most insurance companies require you to have a medical examination. While this may sound time-consuming and costly, it’s actually neither. Most insurance exams only take around 15-20 minutes, and you won’t have to account for travel time since the paramedic or doctor who conducts the exam will come to your home or office – whichever is most convenient for you. As for the cost, there is none – the insurance provider pays for everything! What to Expect Here are the basics that your medical exam will cover: A review of your medical history A basic physical examination to measure your height, weight, pulse, and blood pressure Blood work Urine sample In addition to the basic medical exam outlined above, some life insurance companies will ask you to fill out multiple questionnaires or agree to further testing (like an EKG, or electrocardiogram). All…

What Can You Expect From A Life Insurance Medical Exam?

your medical examAs part of the application process to get life insurance, most insurance companies require you to have a medical examination. You may be thinking to yourself, Oh man, that sounds time consuming and possibly costly. You’re in luck, though, because the medical exam you need will only take about 15-20 minutes. Do you not have time to go to the doctor’s office? Well, you don’t have to worry about that either because you won’t need to account for travel time to the the doctor’s office. The exam is conducted by a medical doctor or licensed paramedical and they will come to your home or office, whichever location is most convenient for you. As far as the cost is concerned, well, there isn’t one! The exam is at no cost to you because the life insurance provider will pay for it.

What you can expect for the medical exam: